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Subhash D

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Founder & Software Engineer · TheFinancePlans

Subhash is a software engineer and product builder. He founded TheFinancePlans. He works on backend systems and likes to break a problem down to its basics before he builds anything.

He built TheFinancePlans after he noticed a problem. Almost every compounding and SIP calculator online ignores inflation. They show you a big future number but say nothing about what that money will actually buy. Every calculator here fixes that. It shows you today's value after inflation right next to the headline number.

His job here is the engineering and the math, not financial advice. Every formula is published on the methodology page. Every default rate comes from a national statistics office or tax authority. You can reproduce every result from its inputs. He is not a licensed financial adviser, so treat this as education and planning, not regulated advice.

Credentials
Software engineer & builder
Builds and maintains the tested calculation engine behind every tool.
Author of 28 explainers
Personal finance calculators, Time value of money, Inflation-adjusted investing math, Compound interest
Transparent methodology
Every formula is published with a worked example; not regulated advice.
Writes about
Personal finance calculatorsTime value of moneyInflation-adjusted investing mathCompound interestSoftware engineeringFintech product development
Education, not regulated advice. open methodology.

Subhash built and maintains all 28 calculators on TheFinancePlans. Browse the calculators.

Guides by Subhash

2 published

Articles by Subhash

26 published
investing
How a Step-Up SIP Beats Inflation and Builds More Wealth
2026-06-12
investing
The SIP Trap: Why Most People Quit Right Before Compounding Kicks In
2026-06-12
personal finance
The Home Loan Myth: Why Paying "Double" for Your House Isn't Necessarily a Bad Deal
2026-06-12
personal finance
Why Insurance Is Just as Important as Investing
2026-06-12
investing
Why Does Everyone Recommend Index Funds?
2026-06-26
investing
Is a 12% Return Realistic, or Are You Fooling Yourself?
2026-06-26
investing
Why Your SIP Doesn't Feel Like It's Growing (And When It Will)
2026-06-26
investing
Why You Shouldn't Stop Investing When the Market Crashes
2026-06-26
investing
Got a Windfall? Invest It All Now or Spread It Out?
2026-06-26
personal finance
How Much Emergency Fund Do You Actually Need?
2026-06-26
personal finance
Should You Pay Off Your Loan or Invest? Here's the Math
2026-06-26
personal finance
Your Salary Keeps Rising But You Still Feel Broke. Here's Why
2026-06-26
personal finance
How Much Should You Really Spend on a Car?
2026-06-26
retirement
Why Most People Fail at FIRE (And How to Be the Exception)
2026-06-26
retirement
The 4% Rule Explained (And Why People Argue About It)
2026-06-26
personal finance
Is Buying a House Always Better Than Renting?
2026-06-26
inflation
Your Money Is Losing Value in the Bank. Here's How Much
2026-06-26
money value
The Return Number You're Using Is Probably Wrong
2026-06-26
retirement
How Much Do You Actually Need to Retire?
2026-06-26
investing
Why a 1% Fee Quietly Costs You a Fortune
2026-06-26
tax
Does a Raise Actually Cost You Money? The Tax Bracket Myth
2026-06-26
investing
Start Early With Less, or Wait and Invest More?
2026-06-26
personal finance
What Savings Rate Do You Actually Need?
2026-06-26
personal finance
Why Net Worth Matters More Than Your Salary
2026-06-26
retirement
The Retirement Risk Almost Nobody Plans For
2026-06-26
inflation
Why Your Personal Inflation Rate Beats the Headline Number
2026-06-26